Consumers who buy goods or services by way of a related sale contract have additional protections under Part 7 of the National Credit Code Sch 1 to the National Consumer Credit Protection Act 2009 (Cth).
A "related sale contract" is limited to situations where the credit to be provided is wholly or partially for the purpose of buying the goods or services. For example, a store may suggest a particular lender to finance the purchase of household items, or offer application forms to obtain credit to buy goods.
A normal credit card that can be used anywhere is usually not defined as a linked credit contract.
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